As a PhD (in training), you face unique money challenges that stem from your low stipend/salary during your years of graduate school and postdoc training. Listen here for the hard-won financial wisdom of your fellow graduate students, postdocs, and PhDs with Real Jobs. From budgeting and frugality to investing and debt repayment, this podcast is your higher education in personal finance.
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We tell the professional development stories of graduate students, graduate alumni, and those who partner and collaborate with them!
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https://www.graduateschoolpersonalstatement.net/ Hello! Is your personal statement causing you too much stress? Cannot sleep at night because of the deadline that is just around the corner? Now is the perfect time to stop that madness and get the best and most reliable law school personal statement writing help ever! Remind yourself how lucky you are to live in the 21st century where students can get as much help as they want online! The problem with is how they (and you) often don't find a ...
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LawSchoolInsider podcast is geared toward students that are considering law school and graduates of law school. We talk all about being successful in law school and in your career. The shows are short - only 15-20 minutes each - and are shared weekly on Thursday mornings.
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1
This Grad Student Puts Half Her Stipend Paycheck into High-Yield Savings
44:13
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In this episode, Emily interviews Maggie Canady, a rising second-year grad student at the University of California at Irvine, on her budget breakdown. Maggie gives us a peek into her life via her top five expenses each month, which are rent, car insurance, groceries, utilities, and travel. Despite taking a pay cut when she started grad school, Magg…
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In this episode, Emily interviews Dr. Scott Grissom, a full professor of computer science at Grand Valley State University and Certified Financial Planner with Socrates Financial Planning. Scott and Emily talk through the health insurance and retirement benefits options that may be available to PhDs in their first post-PhD jobs. Scott explains the …
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1
What You Should Know about Money Early in Your PhD Career
36:59
36:59
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In this episode, Emily shares the microinterviews she recorded at two higher education conferences this summer. The conference attendees, virtually all of whom work at universities and most of whom have PhDs themselves, responded to this prompt: "What do you wish you had known about money earlier in your career?" Listen through the episode for insi…
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1
Unveiling the Hidden Curriculum of Grad School Funding for First-Gen BIPOC Students
43:49
43:49
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In this episode, Emily interviews Dra. Yvette Martínez-Vu and Dr. Miroslava Chavez-Garcia, the co-authors of the recent book Is Grad School for Me? Demystifying the Application Process for First-Gen BIPOC Students. Yvette, Miroslava, and Emily dive into the financial aspects of the grad school application and admissions process, from applying for e…
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1
This PhD Promotes DEI with a Focus on Finances
50:24
50:24
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In this episode, Emily interviews Dr. Carolina Mendoza Cavazos, who holds a PhD in microbiology from the University of Wisconsin-Madison and currently works in industry. Carolina has long been interested in and open about personal finances, and she focused her DEI efforts while in graduate school around finances, including starting a money club and…
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1
How This International Graduate Student Grew His Career and Social Wealth Alongside His Net Worth
42:59
42:59
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In this episode, Emily interviews Dr. Cyrus Liu, a postdoctoral fellow in computer science at Grinnell College. Cyrus came to the US from China as a graduate student without any knowledge of how the US financial system works. Over the course of his PhD, Cyrus found ways to minimize his expenses and increase his income so that he could meet his goal…
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1
How This Life Sciences PhD Fosters Entrepreneurship
37:42
37:42
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In this episode, Emily interviews Dr. Marquicia Pierce, who holds a PhD in molecular physiology and biophysics from Vanderbilt University and an MBA from Northwood University. In the ten years since finishing her PhD, Marquicia has worked in various capacities to foster life science start-ups and small businesses, and she is now the owner and princ…
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1
This PhD Works Part-Time After Reaching Financial Independence in Austin Texas
40:26
40:26
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In this episode, Emily interview Dr. Corwin Olson, who completed his PhD in aerospace engineering and achieved financial independence (FI) just a handful of years later. Corwin argues that using a traditional IRA is typically advantageous over a Roth IRA, even for a grad student, if they have aspirations to retire early in the 0% marginal income ta…
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1
This Grad Student Took Control of Her Finances to Shift Her Income Sources
34:22
34:22
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In this episode, Emily interviews Fern Wolburg Martinez, a 4th-year PhD student in Industrial/Organizational Psychology at Portland State University. Fern shares the pros and cons of the various income sources she's used for her graduate work: a teaching assistantship, a fellowship, student loans, side jobs, and social safety net programs. When Fer…
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1
Addressing Fellowship Tax Pain Points through Education, Resources, and Advocacy
43:21
43:21
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In this episode, Emily interviews Jack Mao, the founder of Tax Fellows, a nonprofit organization that prepares pro bono tax returns for Stanford students. Tax Fellows primarily serves first-generation, low-income undergraduate and graduate students, and has a special focus on the tax implications of receiving scholarships and fellowships, such as t…
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1
America's Graduate Adviser: A Conversation with Leonard Cassuto
36:47
36:47
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Join Leonard Cassuto (author of Academic Writing as if Readers Matter (forthcoming), The New PhD and The Graduate School Mess, among many other books) and Ph.D. student Hellen Wainaina to discuss graduate education's past, present, and future. Their wide-ranging conversation touches on graduate student-centered graduate education, mentorship, acade…
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1
This PhD's Path to FIRE Has Evolved with Lifestyle Design and Having Children
47:54
47:54
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In this episode, Emily interviews Dr. Amanda, a prior podcast guest who is on the path to FIRE. Since our last interview, Amanda and her husband moved to the Twin Cities and had two children. Amanda recounts the exciting start to her FIRE journey when she was a postdoc and contrasts it with the boring middle of pursuing FIRE now with long-term jobs…
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1
Can You Earn Money from Publishing a Scholarly Book?
40:31
40:31
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In this episode, Emily interviews Dr. Laura Portwood-Stacer, a developmental editor with Manuscript Works specializing in authors publishing with scholarly presses. Laura has personally published two books with university presses and has a third under contract and has worked with hundreds of other authors. Laura describes why a prospective author w…
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1
How This PhD Student and Her Higher-Earning Partner Manage Joint and Separate Finances
35:15
35:15
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In this episode, Emily interviews Tram Pham, a 3rd-year PhD student in economics at Uppsala University in Sweden. Tram describes the financial aspect of her relationship with her boyfriend, Markus, from discussing money on their first date to how they structure their joint and separate accounts now that they live together. Even though Tram is the l…
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1
Navigating Grad Student Finances While Undocumented
43:54
43:54
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In this episode, Emily interviews Dr. Ana Romero Morales, a counseling psychology PhD and a financial coach through Brewing Dinero. Ana specializes in undocumented people and mix-documentation families, having gone through undergrad and graduate school as an undocumented student herself. Emily and Ana deep-dive into how documentation status affects…
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1
A Political Economist Explores How to Respond to the Financial Pressures on Graduate Students
51:45
51:45
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In this episode, Emily interviews Michael Dedmon, a PhD candidate in Political Science at Syracuse University and the Director of Research at the National Endowment for Financial Education. Michael's research focus is in political economy, particularly in how governments respond to economic crises like the Great Recession and the COVID-19 pandemic.…
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1
Why and How I Started Personal Finance for PhDs
29:09
29:09
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In this episode, Emily narrates the origin story of her business, Personal Finance for PhDs, which started as a personal interest when she graduated from college. She also shares why she has devoted her career to financial education for PhDs and the behind-the-scenes business operations. This episode is for you if you are an avid follower of Person…
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1
Finding Fulfillment in France: A Conversation with Natalie Berkman *18
35:15
35:15
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Join Natalie Berkman *18 and Ph.D. student Hellen Wainaina for an engaging and personal conversation about how priorities can shift during graduate school, and how a supposed plan "B" can turn out to be a plan A.By GradFUTURES
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1
Catching Up with Prior Guests: 2023 Edition
28:52
28:52
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Emily published the first episode of this podcast in July 2018. This is the 200th episode, and over the last five and a half years, the podcast has featured 252 unique voices in addition to Emily’s. This last episode of 2023 catches up with the guests from Seasons 1 through 11. The guests were invited to submit short audio updates on how their live…
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1
This Grad Student-Parent Relied on University and State Benefits During a Tough Financial Period
43:22
43:22
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In this episode, Emily interviews Dr. Laura Farrell-Wortman about her experience as a graduate student-parent at the University of Wisconsin-Madison. Laura started her PhD when her daughter was an infant, so she was very intentional about choosing a PhD program that offered strong health insurance and a childcare subsidy. However, with a $9k/year s…
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1
Expert-Level Frugality from ChatGPT and Grad Students Like You
49:28
49:28
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In this episode, Emily features contributions from the PhD community and from ChatGPT around the topic of frugal tips. Grad students in particular are typically open to exercising frugality to decrease their expenses. Emily talks through her framework on how to decide which area of spending to target first with frugality. She then demonstrates how …
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1
This Grad Student's Podcast Expands Beyond Her Dissertation Topic
29:34
29:34
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In this episode, Emily interviews Alexandria Miller, and 5th-year PhD student in Africana Studies at Brown University. In 2021, Alexandria started a podcast, Strictly Facts: A Guide to Caribbean History and Culture, to further her vision for educational equity. Alexandria participated in a business incubator program at Brown and joined a Caribbean …
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1
SIT's VP of Marketing & Communications Nara de Sa Guimaraes on The Washington Report
30:00
30:00
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SIT's VP of Marketing & Communications Nara de Sa Guimaraes joined Stevie Bridgewater on The Washington Report to talk about the School for International Training's vast portfolio of programs in Africa. SIT's Africa programs in sustainability, diplomacy, global health, science, conservation, and more will transform your worldview and add invaluable…
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1
How This Grad Student-Parent Managed Her Money and Time in the Bay Area
45:34
45:34
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In this episode, Emily interviews Dr. Ilana Horwitz, an assistant professor of Jewish Studies and Sociology at Tulane University. Ilana started her PhD at Stanford when her first child was nine months old, and she had a second child after her third year. Emily and Ilana discuss the frugal tactics and time management strategies that she employed whi…
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1
This PhD-Prepared Nurse Managed a Night Shift Side Hustle Despite It Being Frowned Upon
35:46
35:46
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In this episode, Emily interviews Dr. Jacqueline Nikpour, who holds a PhD in nursing from Duke University and is currently a postdoc at the University of Pennsylvania. Jackie side hustled with occasional nursing per diem jobs to supplement her stipend during grad school, but her side job also conferred unexpected benefits to her dissertation and ca…
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1
New Philosophies for Graduate Education: A Conversation with Barry Lam *07
34:56
34:56
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How might we imagine the tenure track in ways that account both for individual preference and for societal impact? In what ways is the landscape for Ph.D.s changing, and how might graduate students best navigate this changing landscape? Join Barry Lam *07 and Ph.D. student Hellen Wainaina for an engaging and personal conversation about the ways the…
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1
How This Grad Student Budgeted for Having Her First Child
46:47
46:47
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In this episode, Emily interviews Madeline Hebert, a rising second-year PhD student in Human Development and Family Sciences at the University of Connecticut. Madeline's household has an irregular income; her assistantship stipend varies between the academic year and the summer and her husband is paid hourly throughout the year with a variable sche…
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1
Financial Advice from PhD Career Development and Financial Wellness Professionals
40:48
40:48
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In this episode, Emily shares the microinterviews she recorded at two higher education conferences this past summer. The conference attendees, virtually all of whom work at universities and most of whom have PhDs themselves, responded to this prompt: "What piece of financial advice are you glad you followed or do you wish you had followed as a grad…
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1
University-Level Policy Ideas to Improve the Financial Lives of Graduate Students and Postdocs
28:25
28:25
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In this episode, Emily shares the microinterviews she recorded at two higher education conferences this past summer. The conference attendees, virtually all of whom work at universities and most of whom have PhDs themselves, responded to this prompt: "What policy at your current university or one you worked at or attended in the past would you chan…
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1
Unionization and Individual Negotiation to Improve Graduate Student Stipends and Benefits
36:25
36:25
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In this episode, Emily shares first-person stories of graduate students enjoying improved stipends and benefits thanks to prior negotiation. The first half of the episode includes the experiences of four graduate students with their unions or when taking part in unionization movements. The second half of the episode includes four individual negotia…
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1
Behind the Scenes at the Graduate Career Consortium 2023 Annual Meeting
59:24
59:24
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In this episode, Emily opens up the audio diary she recorded while attending the 2023 annual meeting of the Graduate Career Consortium (GCC) as a sponsor. GCC is attended by university staff members who provide career and professional development services and programming to master's students, PhD students, and postdocs. Emily shares the insights sh…
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1
Why and How These Grad Students Purchased Homes
26:44
26:44
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In this episode, Emily presents first-person stories from grad students who bought homes during grad school. The volunteers were simply asked to share their stories of home ownership, whatever they may be. You'll hear from three volunteers throughout this episode, both on how they purchased their homes but also what's happened since then, the benef…
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1
Why and How These Graduate Students Side Hustle
47:25
47:25
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In this episode, Emily presents first-person stories from grad students who side hustle. The volunteers were asked this set of questions: What is your motivation for having a side hustle? What is your side hustle? What are its benefits and detriments? How much do you earn through your side hustle? If someone listening wants to pursue this side hust…
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1
This PhD Student Budgets Manually and Dynamically
37:14
37:14
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In this episode, Emily interviews Ariel Floro, a second-year PhD student at the Buck Institute for Research on Aging in northern California. Ariel details her budget, from the mechanics of her system to the emotional benefits she experiences. Ariel started budgeting after finishing her bachelor's while she worked as a research associate, and she wa…
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1
The Motivation and Strategy Behind Biology PhD Stipends
35:57
35:57
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In this episode, Emily interviews Shelly Gaynor, a fifth-year PhD candidate in botany at the University of Florida. After learning of the possibility of a stipend decrease in her department last year, Shelly dedicated herself to raising the stipend in her department at UF. She and a partner even launched an app to collect stipend information from o…
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1
Budgeting for the First Year of Grad School Even with Financial Anxiety
43:54
43:54
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In this episode, Emily interviews Georga-Kay Whyte, a first-year graduate student in history at Brown. Georga-Kay is a first-generation college student from Jamaica who grew up with financial insecurity, which spurred her to set a high bar for the financial support she expected from her graduate program. Georga-Kay was just as forward-thinking as s…
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1
Student Loan Deferment Shouldn't Be Your Default
53:52
53:52
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In this episode, Emily interviews Meagan McGuire, a Certified Student Loan Professional and consultant with Student Loan Planner. Meagan goes over all the pertinent terms of the upcoming modified REPAYE plan, which is expected to join the other options for income-driven repayment plans in 2023. The relatively more generous terms of the modified REP…
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1
This PhD's Social Mission Pulled Her from Academia into Entrepreneurship
39:52
39:52
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In this episode, Emily interviews Dr. Rasheda Weaver, the founder of the Weaver Social Enterprise Directory. Rasheda studied and taught social entrepreneurship as a graduate student and faculty member and along the way launched her own social enterprise out of her research and work with social entrepreneurs. As her business grew, she felt pulled to…
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1
How This Grad Student Shifted Her Student Loan Strategy through the Pandemic
37:50
37:50
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In this episode, Emily interviews Lexi Jones, a 4th-year PhD student in the Massachusetts Institute of Technology - Woods Hole Oceanographic Institution Joint Program in Oceanography/Applied Ocean Science and Engineering. Prior to Lexi entering graduate school in summer 2019, she resolved to pay down her undergraduate student loan debt first and fo…
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1
This Grad Student Deferred Her Acceptance to Work on Her Finances
35:14
35:14
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In this episode, Emily interviews Brittany Trinh, a PhD student in chemistry at the University of Wisconsin-Madison. Brittany originally applied to grad school in fall 2018, but she elected to defer her acceptance for two years in favor of taking a job. Brittany shares how she developed her finances, side business, and professional life in the 2.5 …
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1
The Tax and Retirement Effects of Receiving Fellowship Funding
40:03
40:03
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In this episode, Emily interviews Dr. Jamie Lahvic about her experience being funded by fellowship during grad school at Harvard and her postdoc at the University of California, Berkeley. Regarding the tax complications of being on fellowship and the lack of retirement benefits, Jamie and Emily outline the issues, discuss possible solutions, and su…
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1
How This Grad Student Fellow Resolved an Expensive Tax Bill in His Favor
50:18
50:18
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In this episode, Emily interviews Matty Dowd, a sixth-year PhD student in history at Princeton. Matty openly shares with us the tax horror story he lived for most of 2021 and into 2022. In 2018 and 2019, Matty reported his fellowship income as "other income" on his tax returns, which caused the IRS to mistakenly think that he owed self-employment t…
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1
Five Ways the Tax Code Disadvantages Fellowship Income
39:22
39:22
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In this episode, Emily details five ways the federal income tax code disadvantages fellowship income, sometimes resulting in a higher tax rate and sometimes just causing a bit of a headache for fellows. Additionally, she covers two ways that the tax code advantages fellowship income and one more difference that has both pluses and minuses. This epi…
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1
Catching Up with Prior Guests: 2022 Edition
39:18
39:18
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Emily published the first episode of this podcast in July 2018. This is the 176th episode, and over the last four and a half years, the podcast has featured 156 unique voices in addition to Emily’s. This last episode of 2022 catches up with the guests from Seasons 1 through 9. The guests were invited to submit short audio updates on how their lives…
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1
This First-Year PhD Student Prioritizes Investing While on Fellowship
44:03
44:03
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In this episode, Emily interviews Michele Remer, a first-year PhD student at Michigan State University, about her financial goals for graduate school. Michelle graduated in spring 2020 and worked a few different jobs during the pandemic, so she was able to generate some savings and open a Roth IRA prior to starting grad school. Thanks to a summer 2…
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1
How to Apply Valuable Scientific Mindsets to Your Personal Finances
43:29
43:29
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In this episode, Emily interviews Dr. Brock Bennion, a financial advisor with Kimball Creek Partners who draws on his scientific training when he works with clients. Brock and Emily discuss how the mindsets and principles that scientists learn can translate very well into their personal finances, everything from thinking long-term to avoiding flash…
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1
From Zero Funding to Graduating Student Loan Debt-Free
42:27
42:27
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In this episode, Emily interviews Dr. José Riera, who recently finished his PhD in education from Washington State University. José's offer of admission to WSU did not include any funding, so he initially accepted some student loans and expected to accumulate a hundred thousand dollars of debt before graduation. However, through his incredible reso…
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1
How This Outdoorsy Graduate Student Budgets Her Money and Time for Hobbies
44:54
44:54
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In this episode, Emily interviews Selena Cho, a second-year graduate student at the University of Utah who receives the NSF Graduate Research Fellowship. Selena shares her budget breakdown, through which her values and the joy she experiences in using her money in this way shine. Selena has right-sized her housing, transportation, and food spending…
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1
Telling the Scientific Story: A Conversation with Jason McSheene *15
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In our third episode, Hellen talks with Jason McSheene, *15, a Medical Science Communications Specialist at Meditech Media. Jason earned his PhD from Princeton’s Department of Molecular Biology. While at Princeton, he created and co-hosted a podcast, “PhD in Progress” with his peers to have honest, authentic conversations about their professional p…
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1
This Graduate Student Doesn't Sweat the (Financially) Small Stuff
44:54
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In this episode, Emily interviews Keiland Cooper, a fourth year PhD student in neuroscience at the University of California, Irvine. Thanks to his inquisitive nature, Keiland has developed a financial philosophy that he has applied to his own financial management practices since his days as an undergraduate. Through focusing on the big picture, he …
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